All About Buying a House in Hickory, NC

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Get Familiar with the Lay of the Land in Hickory, NC

Strongly considering a home purchase in Hickory? Smart move! You picked a vibrant city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers nationwide and know the Hickory housing market well.

Hickory is growing by the day, which means Hickory homes don't always come cheap. Ongoing support for local businesses and cultural growth have helped to attract retirees, new businesses, and young families to the Hickory area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Hickory and its nearby areas still offer a wide range of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When buying a house in Hickory, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around Hickory will also give you an idea of why homes in west Hickory are priced differently than homes in east Hickory, where to find Hickory's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Hickory? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in North Carolina or somewhere else entirely. We help experienced homeowners and first-time homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Hickory.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Hickory. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Hickory averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Hickory, NC

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Hickory. Contact Mr. Cooper as you get ready to buy a house in Hickory. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

Mr. Cooper Reviews from Real Customers in Hickory, NC

Read real stories from real Mr. Cooper home buyers and sellers in Hickory, NC. Then contact us to see what we can do for you.

Buying or selling a house in Hickory? Mr. Cooper makes it easier.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.